| Weiss Ratings |
Monterey County Bank
Monterey, CA |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 8.50 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 0.00 | |||
| Stability Index | 3.30 | |||
| Company Info |
Monterey County Bank
Monterey, CA |
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| FDIC Number | 22460 | |||
| Phone Number | (831) 649-4600 | |||
| Website | www.montereycountybank.com | |||
| Asset Quality |
Monterey County Bank
Monterey, CA |
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| 1-Year Asset Growth | 26.00% | |||
| 5-Year Asset Growth | 7.12% | |||
| 5-Year Charge-Offs to Average Loans | -0.13% | |||
| Charge-Offs to Average Loans | 8.59% | |||
| Non-Performing Assets to Assets | 1.63% | |||
| Non-Performing Loans to Capital | 1.40% | |||
| Non-Performing Loans to Loans | 1.22% | |||
| Balance Sheet |
Monterey County Bank
Monterey, CA |
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| Total Assets | 245.56M | |||
| Total Deposits | 193.25M | |||
| Capital and Reserves |
Monterey County Bank
Monterey, CA |
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| Capital | 27.29M | |||
| Leverage Ratio | 10.00 | |||
| Loan Loss Reserves to Loans | 1.20% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Monterey County Bank
Monterey, CA |
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| Hot Money Ratio | 33.19% | |||
| Liquidity Ratio | 28.92% | |||
| Profitability |
Monterey County Bank
Monterey, CA |
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| 5-Year Return on Average Assets | 0.11% | |||
| Net Income | -2.28M | |||
| Net Interest Spread | 3.79% | |||
| Operating Profit to Average Assets | -1.95% | |||
| Overhead Efficiency Ratio | 148.90% | |||
| Return on Assets | -1.96% | |||
| Return on Equity | -15.82% | |||